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Equipment breakdown is part of home ownership

Homeowners often overlook how many expensive items in their home can break down - and many don't know that these losses could be covered with innovative insurance products like HSB's Home System Protection.

He and his family live in a 1960s-era house they purchased about five years earlier. When they bought their house, the furnace was almost new - but that didn't matter. An inspector told him it wasn't functioning properly and could break down. A new unit would cost $7,000, or more. Not long after moving in, his high-end stereo receiver stopped working and he decided it was too expensive to fix.

Expenses are never ending

"When you buy a home the expenses are never ending," Scott said. "You never know what is going to leak next, what's going to break down. There will always be something."

HSB HomeWorks™ combines our Home Systems Protection homeowners equipment breakdown coverage with a suite of home management tools, known as MyHomeWorks™. Home Systems Protection covers the breakdown of home systems, appliances and electronics, while our MyHomeWorks.com website includes home management tools to improve energy efficiency and save money.